How much stamp duty on a £475,000 property?

Stamp duty on a £475,000 property is £13,750 for home movers (2.89% effective rate). First-time buyers pay £8,750. Additional property buyers pay £37,500 including the 5% surcharge.

Do first-time buyers pay stamp duty on £475,000?

First-time buyers pay £8,750 on a £475,000 property — only 5% on the amount above £300,000.

Stamp Duty on £475,000 Property

If you buy a £475,000 property in England or Northern Ireland, you will pay £13,750 in stamp duty land tax (2.89% effective rate). Updated with April 2025 HMRC rates.

Home mover

£13,750

2.89% · Standard rates

First-time buyer

£8,750

1.84% · FTB relief applied

Additional property

£37,500

7.89% · +5% surcharge

SDLT band breakdown on £475,000

Home mover

£0 – £125,000 (0%)£0

£125,000 – £250,000 (2%)£2,500

£250,000 – £475,000 (5%)£11,250

Total£13,750

First-time buyer

£0 – £300,000 (0%)£0

£300,000 – £475,000 (5%)£8,750

Total£8,750

Total purchase cost

Property price£475,000

Stamp duty£13,750

Est. legal fees~£1,925

Est. survey~£500

Estimated total£491,175

Stamp duty as % of price

Property 97.1%

SDLT 2.89%

Compare property prices

£375,000£8,750 £400,000£10,000 £425,000£11,250 £450,000£12,500 £500,000£15,000 £525,000£16,250

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